Heartland Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2007
Heartland Bank 2007 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Heartland Bank 212 South Central Clayton, MO 63105 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,681 |
| Total Mortgage Loan Application Amount | $606,119,000 |
| Average Mortgage Loan Application Amount | $165,000 |
| Highest Mortgage Loan Application Amount | $8,700,000 |
| Average Applicant Income | $91,666 |
| Highest Applicant Income | $5,826,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2007 with Heartland Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Heartland Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2007 breaks down Heartland Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Heartland Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Heartland Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Heartland Bank's mortgage activity for 2007.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| St. Louis County Missouri | 546 | $ 99,162,000 | $ 181,000 | $ 94,000 |
| St. Charles County Missouri | 269 | $ 53,312,000 | $ 198,000 | $ 91,000 |
| Cook County Illinois | 129 | $ 33,546,000 | $ 260,000 | $ 99,000 |
| St. Louis City County Missouri | 123 | $ 22,173,000 | $ 180,000 | $ 67,000 |
| Jefferson County Missouri | 94 | $ 12,973,000 | $ 138,000 | $ 68,000 |
| Franklin County Missouri | 90 | $ 11,797,000 | $ 131,000 | $ 56,000 |
| Jackson County Missouri | 28 | $ 3,341,000 | $ 119,000 | $ 129,000 |
| Maricopa County Arizona | 24 | $ 5,741,000 | $ 239,000 | $ 55,000 |
| St. Clair County Illinois | 24 | $ 4,652,000 | $ 193,000 | $ 86,000 |
| Madison County Illinois | 18 | $ 3,019,000 | $ 167,000 | $ 89,000 |
| Will County Illinois | 16 | $ 4,499,000 | $ 281,000 | $ 158,000 |
| Greene County Missouri | 15 | $ 3,145,000 | $ 209,000 | $ 72,000 |
| Warren County Missouri | 14 | $ 1,909,000 | $ 136,000 | $ 62,000 |
| Peoria County Illinois | 13 | $ 1,419,000 | $ 109,000 | $ 94,000 |
| Lincoln County Missouri | 10 | $ 1,606,000 | $ 160,000 | $ 51,000 |
| Denver County Colorado | 8 | $ 2,256,000 | $ 282,000 | $ 147,000 |
| Dallas County Texas | 8 | $ 2,620,000 | $ 327,000 | $ 153,000 |
| DuPage County Illinois | 7 | $ 2,030,000 | $ 290,000 | $ 37,000 |
| Boone County Missouri | 7 | $ 1,047,000 | $ 149,000 | $ 101,000 |
| Clay County Missouri | 7 | $ 913,000 | $ 130,000 | $ 143,000 |
| St. Francois County Missouri | 7 | $ 891,000 | $ 127,000 | $ 67,000 |
| Jefferson County Alabama | 6 | $ 1,415,000 | $ 235,000 | $ 154,000 |
| Lake County Illinois | 6 | $ 1,174,000 | $ 195,000 | $ 53,000 |
| Tazewell County Illinois | 6 | $ 704,000 | $ 117,000 | $ 85,000 |
| Johnson County Kansas | 5 | $ 1,411,000 | $ 282,000 | $ 151,000 |
| Kent County Michigan | 5 | $ 1,682,000 | $ 336,000 | $ 110,000 |
| Dakota County Minnesota | 5 | $ 1,232,000 | $ 246,000 | $ 47,000 |
| Gasconade County Missouri | 5 | $ 683,000 | $ 136,000 | $ 90,000 |
| Collin County Texas | 5 | $ 1,874,000 | $ 374,000 | $ 128,000 |
| Harris County Texas | 5 | $ 962,000 | $ 192,000 | $ 64,000 |
| Adams County Colorado | 4 | $ 1,430,000 | $ 357,000 | $ 174,000 |
| Arapahoe County Colorado | 4 | $ 1,985,000 | $ 496,000 | $ 159,000 |
| Douglas County Colorado | 4 | $ 2,462,000 | $ 615,000 | $ 1,158,000 |
| Jefferson County Colorado | 4 | $ 1,585,000 | $ 396,000 | $ 160,000 |
| Caddo County Louisiana | 4 | $ 574,000 | $ 143,000 | $ 64,000 |
| Baltimore County Maryland | 4 | $ 915,000 | $ 228,000 | $ 51,000 |
| Prince George's County Maryland | 4 | $ 1,315,000 | $ 328,000 | $ 71,000 |
| Oakland County Michigan | 4 | $ 580,000 | $ 145,000 | $ 44,000 |
| Ottawa County Michigan | 4 | $ 1,118,000 | $ 279,000 | $ 82,000 |
| Christian County Missouri | 4 | $ 587,000 | $ 146,000 | $ 79,000 |
| Jasper County Missouri | 4 | $ 389,000 | $ 97,000 | $ 107,000 |
| Mecklenburg County North Carolina | 4 | $ 905,000 | $ 226,000 | $ 71,000 |
| Benton County Arkansas | 3 | $ 597,000 | $ 199,000 | $ 119,000 |
| Garland County Arkansas | 3 | $ 411,000 | $ 137,000 | $ 62,000 |
| Pulaski County Arkansas | 3 | $ 400,000 | $ 133,000 | $ 60,000 |
| Orange County Florida | 3 | $ 772,000 | $ 257,000 | $ 91,000 |
| Kane County Illinois | 3 | $ 773,000 | $ 257,000 | $ 61,000 |
| McLean County Illinois | 3 | $ 429,000 | $ 143,000 | $ 80,000 |
| Bossier County Louisiana | 3 | $ 478,000 | $ 159,000 | $ 73,000 |
| Montgomery County Maryland | 3 | $ 881,000 | $ 293,000 | $ 114,000 |
| Macomb County Michigan | 3 | $ 419,000 | $ 139,000 | $ 36,000 |
| Wayne County Michigan | 3 | $ 329,000 | $ 109,000 | $ 47,000 |
| Hennepin County Minnesota | 3 | $ 640,000 | $ 213,000 | $ 96,000 |
| Crawford County Missouri | 3 | $ 102,000 | $ 34,000 | $ 70,000 |
| Clark County Nevada | 3 | $ 1,350,000 | $ 450,000 | $ 158,000 |
| Pottawatomie County Oklahoma | 3 | $ 327,000 | $ 109,000 | $ 87,000 |
| Montgomery County Pennsylvania | 3 | $ 779,000 | $ 259,000 | $ 166,000 |
| Knox County Tennessee | 3 | $ 326,000 | $ 108,000 | $ 43,000 |
| Ellis County Texas | 3 | $ 995,000 | $ 331,000 | $ 118,000 |
| Milwaukee County Wisconsin | 3 | $ 293,000 | $ 97,000 | $ 37,000 |
| Limestone County Alabama | 2 | $ 188,000 | $ 94,000 | $ 36,000 |
| Madison County Alabama | 2 | $ 166,000 | $ 83,000 | $ 44,000 |
| Crittenden County Arkansas | 2 | $ 220,000 | $ 110,000 | $ 54,000 |
| San Diego County California | 2 | $ 1,332,000 | $ 666,000 | $ 275,000 |
| Solano County California | 2 | $ 612,000 | $ 306,000 | $ 70,000 |
| Broward County Florida | 2 | $ 450,000 | $ 225,000 | $ 61,000 |
| Collier County Florida | 2 | $ 2,078,000 | $ 1,039,000 | $ 685,000 |
| Duval County Florida | 2 | $ 277,000 | $ 138,000 | $ 57,000 |
| Hillsborough County Florida | 2 | $ 382,000 | $ 191,000 | $ 60,000 |
| Miami-Dade County Florida | 2 | $ 516,000 | $ 258,000 | $ 71,000 |
| Pinellas County Florida | 2 | $ 73,000 | $ 36,000 | $ 114,000 |
| Walton County Florida | 2 | $ 560,000 | $ 280,000 | $ 77,000 |
| Fulton County Georgia | 2 | $ 254,000 | $ 127,000 | $ 24,000 |
| Gwinnett County Georgia | 2 | $ 225,000 | $ 112,000 | $ 71,000 |
| DeKalb County Illinois | 2 | $ 332,000 | $ 166,000 | $ 79,000 |
| Knox County Illinois | 2 | $ 169,000 | $ 84,000 | $ 59,000 |
| Monroe County Illinois | 2 | $ 522,000 | $ 261,000 | $ 101,000 |
| Sangamon County Illinois | 2 | $ 212,000 | $ 106,000 | $ 161,000 |
| Jasper County Iowa | 2 | $ 351,000 | $ 175,000 | $ 360,000 |
| Polk County Iowa | 2 | $ 154,000 | $ 77,000 | $ 29,000 |
| Douglas County Kansas | 2 | $ 284,000 | $ 142,000 | $ 140,000 |
| Baltimore City County Maryland | 2 | $ 343,000 | $ 171,000 | $ 78,000 |
| Clinton County Michigan | 2 | $ 323,000 | $ 161,000 | $ 49,000 |
| Eaton County Michigan | 2 | $ 342,000 | $ 171,000 | $ 33,000 |
| Muskegon County Michigan | 2 | $ 354,000 | $ 177,000 | $ 41,000 |
| St. Clair County Michigan | 2 | $ 356,000 | $ 178,000 | $ 57,000 |
| Buchanan County Missouri | 2 | $ 469,000 | $ 234,000 | $ 50,000 |
| Cape Girardeau County Missouri | 2 | $ 285,000 | $ 142,000 | $ 103,000 |
| Platte County Missouri | 2 | $ 492,000 | $ 246,000 | $ 98,000 |
| Pulaski County Missouri | 2 | $ 291,000 | $ 145,000 | $ 57,000 |
| Ste. Genevieve County Missouri | 2 | $ 195,000 | $ 97,000 | $ 288,000 |
| Stone County Missouri | 2 | $ 374,000 | $ 187,000 | $ 45,000 |
| Columbus County North Carolina | 2 | $ 361,000 | $ 180,000 | $ 85,000 |
| Davidson County North Carolina | 2 | $ 209,000 | $ 104,000 | $ 57,000 |
| Forsyth County North Carolina | 2 | $ 208,000 | $ 104,000 | $ 62,000 |
| Randolph County North Carolina | 2 | $ 334,000 | $ 167,000 | $ 76,000 |
| Allegheny County Pennsylvania | 2 | $ 168,000 | $ 84,000 | $ 33,000 |
| Bucks County Pennsylvania | 2 | $ 710,000 | $ 355,000 | $ 97,000 |
| Richland County South Carolina | 2 | $ 378,000 | $ 189,000 | $ 54,000 |
| Spartanburg County South Carolina | 2 | $ 325,000 | $ 162,000 | $ 175,000 |
| Davidson County Tennessee | 2 | $ 260,000 | $ 130,000 | $ 62,000 |
| Rutherford County Tennessee | 2 | $ 372,000 | $ 186,000 | $ 71,000 |
| Shelby County Tennessee | 2 | $ 281,000 | $ 140,000 | $ 66,000 |
| Bexar County Texas | 2 | $ 237,000 | $ 118,000 | $ 54,000 |
| Denton County Texas | 2 | $ 336,000 | $ 168,000 | $ 77,000 |
| Tarrant County Texas | 2 | $ 362,000 | $ 181,000 | $ 250,000 |
| Travis County Texas | 2 | $ 249,000 | $ 124,000 | $ 46,000 |
| Newport News County Virginia | 2 | $ 287,000 | $ 143,000 | $ 73,000 |
| Norfolk County Virginia | 2 | $ 319,000 | $ 159,000 | $ 42,000 |
| King County Washington | 2 | $ 825,000 | $ 412,000 | $ 103,000 |
| Pierce County Washington | 2 | $ 529,000 | $ 264,000 | $ 64,000 |
| Rock County Wisconsin | 2 | $ 181,000 | $ 90,000 | $ 35,000 |
| Calhoun County Alabama | 1 | $ 147,000 | $ 147,000 | $ 144,000 |
| Cleburne County Alabama | 1 | $ 115,000 | $ 115,000 | $ 35,000 |
| DeKalb County Alabama | 1 | $ 318,000 | $ 318,000 | $ 78,000 |
| Montgomery County Alabama | 1 | $ 57,000 | $ 57,000 | $ 17,000 |
| Shelby County Alabama | 1 | $ 211,000 | $ 211,000 | $ 96,000 |
| Tuscaloosa County Alabama | 1 | $ 86,000 | $ 86,000 | $ 165,000 |
| Coconino County Arizona | 1 | $ 262,000 | $ 262,000 | $ 36,000 |
| Pinal County Arizona | 1 | $ 146,000 | $ 146,000 | $ 52,000 |
| Jefferson County Arkansas | 1 | $ 51,000 | $ 51,000 | $ 43,000 |
| Phillips County Arkansas | 1 | $ 85,000 | $ 85,000 | $ 72,000 |
| Saline County Arkansas | 1 | $ 73,000 | $ 73,000 | $ 60,000 |
| Washington County Arkansas | 1 | $ 87,000 | $ 87,000 | $ 38,000 |
| Los Angeles County California | 1 | $ 860,000 | $ 860,000 | $ 420,000 |
| Larimer County Colorado | 1 | $ 414,000 | $ 414,000 | $ 103,000 |
| Pueblo County Colorado | 1 | $ 99,000 | $ 99,000 | $ 37,000 |
| New Castle County Delaware | 1 | $ 252,000 | $ 252,000 | $ 73,000 |
| District of Columbia County District Of Columbia | 1 | $ 500,000 | $ 500,000 | $ 5,826,000 |
| Brevard County Florida | 1 | $ 127,000 | $ 127,000 | $ 30,000 |
| Hernando County Florida | 1 | $ 154,000 | $ 154,000 | $ 57,000 |
| Okaloosa County Florida | 1 | $ 230,000 | $ 230,000 | $ 144,000 |
| Osceola County Florida | 1 | $ 330,000 | $ 330,000 | $ 113,000 |
| Polk County Florida | 1 | $ 304,000 | $ 304,000 | $ 90,000 |
| St. Johns County Florida | 1 | $ 153,000 | $ 153,000 | $ 61,000 |
| Cobb County Georgia | 1 | $ 280,000 | $ 280,000 | $ 90,000 |
| Coweta County Georgia | 1 | $ 272,000 | $ 272,000 | $ 96,000 |
| DeKalb County Georgia | 1 | $ 252,000 | $ 252,000 | $ 300,000 |
| Douglas County Georgia | 1 | $ 350,000 | $ 350,000 | $ 108,000 |
| Fayette County Georgia | 1 | $ 224,000 | $ 224,000 | $ 90,000 |
| Harris County Georgia | 1 | $ 325,000 | $ 325,000 | $ 88,000 |
| Henry County Georgia | 1 | $ 166,000 | $ 166,000 | $ 69,000 |
| Jackson County Georgia | 1 | $ 131,000 | $ 131,000 | $ 54,000 |
| Muscogee County Georgia | 1 | $ 169,000 | $ 169,000 | $ 62,000 |
| Rockdale County Georgia | 1 | $ 1,000,000 | $ 1,000,000 | $ 402,000 |
| Fayette County Illinois | 1 | $ 127,000 | $ 127,000 | $ 26,000 |
| Fulton County Illinois | 1 | $ 60,000 | $ 60,000 | $ 53,000 |
| Grundy County Illinois | 1 | $ 278,000 | $ 278,000 | $ 61,000 |
| Henry County Illinois | 1 | $ 60,000 | $ 60,000 | $ 238,000 |
| Jackson County Illinois | 1 | $ 1,950,000 | $ 1,950,000 | $ 0 |
| Jefferson County Illinois | 1 | $ 146,000 | $ 146,000 | $ 71,000 |
| Jersey County Illinois | 1 | $ 120,000 | $ 120,000 | $ 52,000 |
| Johnson County Illinois | 1 | $ 75,000 | $ 75,000 | $ 0 |
| LaSalle County Illinois | 1 | $ 261,000 | $ 261,000 | $ 58,000 |
| Macoupin County Illinois | 1 | $ 83,000 | $ 83,000 | $ 48,000 |
| McHenry County Illinois | 1 | $ 523,000 | $ 523,000 | $ 172,000 |
| Ogle County Illinois | 1 | $ 128,000 | $ 128,000 | $ 38,000 |
| Putnam County Illinois | 1 | $ 208,000 | $ 208,000 | $ 176,000 |
| Woodford County Illinois | 1 | $ 114,000 | $ 114,000 | $ 72,000 |
| Adair County Iowa | 1 | $ 164,000 | $ 164,000 | $ 117,000 |
| Cedar County Iowa | 1 | $ 86,000 | $ 86,000 | $ 46,000 |
| Clay County Iowa | 1 | $ 128,000 | $ 128,000 | $ 28,000 |
| Grundy County Iowa | 1 | $ 50,000 | $ 50,000 | $ 324,000 |
| Henry County Iowa | 1 | $ 71,000 | $ 71,000 | $ 44,000 |
| Worth County Iowa | 1 | $ 100,000 | $ 100,000 | $ 29,000 |
| Ellis County Kansas | 1 | $ 713,000 | $ 713,000 | $ 489,000 |
| Leavenworth County Kansas | 1 | $ 586,000 | $ 586,000 | $ 116,000 |
| Pottawatomie County Kansas | 1 | $ 90,000 | $ 90,000 | $ 23,000 |
| Jefferson County Kentucky | 1 | $ 165,000 | $ 165,000 | $ 29,000 |
| Jessamine County Kentucky | 1 | $ 129,000 | $ 129,000 | $ 144,000 |
| Warren County Kentucky | 1 | $ 290,000 | $ 290,000 | $ 300,000 |
| East Baton Rouge County Louisiana | 1 | $ 80,000 | $ 80,000 | $ 66,000 |
| Iberia County Louisiana | 1 | $ 99,000 | $ 99,000 | $ 54,000 |
| Rapides County Louisiana | 1 | $ 271,000 | $ 271,000 | $ 72,000 |
| St. Martin County Louisiana | 1 | $ 99,000 | $ 99,000 | $ 48,000 |
| St. Tammany County Louisiana | 1 | $ 136,000 | $ 136,000 | $ 69,000 |
| Knox County Maine | 1 | $ 300,000 | $ 300,000 | $ 0 |
| Anne Arundel County Maryland | 1 | $ 529,000 | $ 529,000 | $ 217,000 |
| Caroline County Maryland | 1 | $ 186,000 | $ 186,000 | $ 102,000 |
| Charles County Maryland | 1 | $ 292,000 | $ 292,000 | $ 51,000 |
| Harford County Maryland | 1 | $ 119,000 | $ 119,000 | $ 0 |
| Allegan County Michigan | 1 | $ 77,000 | $ 77,000 | $ 72,000 |
| Calhoun County Michigan | 1 | $ 87,000 | $ 87,000 | $ 23,000 |
| Cass County Michigan | 1 | $ 86,000 | $ 86,000 | $ 43,000 |
| Genesee County Michigan | 1 | $ 210,000 | $ 210,000 | $ 84,000 |
| Gladwin County Michigan | 1 | $ 136,000 | $ 136,000 | $ 82,000 |
| Ionia County Michigan | 1 | $ 247,000 | $ 247,000 | $ 46,000 |
| Jackson County Michigan | 1 | $ 192,000 | $ 192,000 | $ 47,000 |
| Lapeer County Michigan | 1 | $ 171,000 | $ 171,000 | $ 50,000 |
| Livingston County Michigan | 1 | $ 175,000 | $ 175,000 | $ 75,000 |
| Mecosta County Michigan | 1 | $ 118,000 | $ 118,000 | $ 105,000 |
| Midland County Michigan | 1 | $ 222,000 | $ 222,000 | $ 120,000 |
| Anoka County Minnesota | 1 | $ 270,000 | $ 270,000 | $ 96,000 |
| Ramsey County Minnesota | 1 | $ 201,000 | $ 201,000 | $ 71,000 |
| DeSoto County Mississippi | 1 | $ 217,000 | $ 217,000 | $ 62,000 |
| Hinds County Mississippi | 1 | $ 361,000 | $ 361,000 | $ 27,000 |
| Bates County Missouri | 1 | $ 207,000 | $ 207,000 | $ 37,000 |
| Bollinger County Missouri | 1 | $ 84,000 | $ 84,000 | $ 48,000 |
| Camden County Missouri | 1 | $ 184,000 | $ 184,000 | $ 99,000 |
| Dallas County Missouri | 1 | $ 90,000 | $ 90,000 | $ 23,000 |
| Henry County Missouri | 1 | $ 109,000 | $ 109,000 | $ 32,000 |
| Lafayette County Missouri | 1 | $ 75,000 | $ 75,000 | $ 48,000 |
| Madison County Missouri | 1 | $ 31,000 | $ 31,000 | $ 105,000 |
| Marion County Missouri | 1 | $ 280,000 | $ 280,000 | $ 75,000 |
| Ozark County Missouri | 1 | $ 200,000 | $ 200,000 | $ 115,000 |
| Pemiscot County Missouri | 1 | $ 204,000 | $ 204,000 | $ 107,000 |
| Phelps County Missouri | 1 | $ 50,000 | $ 50,000 | $ 41,000 |
| Scott County Missouri | 1 | $ 211,000 | $ 211,000 | $ 33,000 |
| Stoddard County Missouri | 1 | $ 96,000 | $ 96,000 | $ 116,000 |
| Taney County Missouri | 1 | $ 176,000 | $ 176,000 | $ 112,000 |
| Vernon County Missouri | 1 | $ 71,000 | $ 71,000 | $ 39,000 |
| Washington County Missouri | 1 | $ 13,000 | $ 13,000 | $ 0 |
| Douglas County Nebraska | 1 | $ 109,000 | $ 109,000 | $ 45,000 |
| Scotts Bluff County Nebraska | 1 | $ 60,000 | $ 60,000 | $ 24,000 |
| Cabarrus County North Carolina | 1 | $ 79,000 | $ 79,000 | $ 56,000 |
| Durham County North Carolina | 1 | $ 77,000 | $ 77,000 | $ 114,000 |
| Gaston County North Carolina | 1 | $ 114,000 | $ 114,000 | $ 52,000 |
| Guilford County North Carolina | 1 | $ 146,000 | $ 146,000 | $ 223,000 |
| Iredell County North Carolina | 1 | $ 296,000 | $ 296,000 | $ 80,000 |
| Pitt County North Carolina | 1 | $ 250,000 | $ 250,000 | $ 105,000 |
| Union County North Carolina | 1 | $ 270,000 | $ 270,000 | $ 48,000 |
| Wake County North Carolina | 1 | $ 450,000 | $ 450,000 | $ 169,000 |
| Butler County Ohio | 1 | $ 228,000 | $ 228,000 | $ 114,000 |
| Clermont County Ohio | 1 | $ 156,000 | $ 156,000 | $ 43,000 |
| Hamilton County Ohio | 1 | $ 115,000 | $ 115,000 | $ 43,000 |
| Canadian County Oklahoma | 1 | $ 111,000 | $ 111,000 | $ 45,000 |
| Grady County Oklahoma | 1 | $ 250,000 | $ 250,000 | $ 114,000 |
| Oklahoma County Oklahoma | 1 | $ 186,000 | $ 186,000 | $ 180,000 |
| Rogers County Oklahoma | 1 | $ 164,000 | $ 164,000 | $ 53,000 |
| Multnomah County Oregon | 1 | $ 339,000 | $ 339,000 | $ 79,000 |
| Chester County Pennsylvania | 1 | $ 132,000 | $ 132,000 | $ 41,000 |
| Delaware County Pennsylvania | 1 | $ 157,000 | $ 157,000 | $ 59,000 |
| Lancaster County Pennsylvania | 1 | $ 599,000 | $ 599,000 | $ 141,000 |
| Monroe County Pennsylvania | 1 | $ 131,000 | $ 131,000 | $ 57,000 |
| Philadelphia County Pennsylvania | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Westmoreland County Pennsylvania | 1 | $ 314,000 | $ 314,000 | $ 142,000 |
| Wyoming County Pennsylvania | 1 | $ 106,000 | $ 106,000 | $ 35,000 |
| York County Pennsylvania | 1 | $ 212,000 | $ 212,000 | $ 74,000 |
| Anderson County South Carolina | 1 | $ 116,000 | $ 116,000 | $ 34,000 |
| Charleston County South Carolina | 1 | $ 110,000 | $ 110,000 | $ 41,000 |
| Greenville County South Carolina | 1 | $ 171,000 | $ 171,000 | $ 59,000 |
| Lancaster County South Carolina | 1 | $ 180,000 | $ 180,000 | $ 44,000 |
| Oconee County South Carolina | 1 | $ 169,000 | $ 169,000 | $ 35,000 |
| York County South Carolina | 1 | $ 175,000 | $ 175,000 | $ 90,000 |
| Campbell County Tennessee | 1 | $ 315,000 | $ 315,000 | $ 56,000 |
| Coffee County Tennessee | 1 | $ 158,000 | $ 158,000 | $ 240,000 |
| Fayette County Tennessee | 1 | $ 228,000 | $ 228,000 | $ 104,000 |
| Hamilton County Tennessee | 1 | $ 264,000 | $ 264,000 | $ 145,000 |
| McMinn County Tennessee | 1 | $ 200,000 | $ 200,000 | $ 79,000 |
| Montgomery County Tennessee | 1 | $ 163,000 | $ 163,000 | $ 88,000 |
| Moore County Tennessee | 1 | $ 104,000 | $ 104,000 | $ 49,000 |
| Smith County Tennessee | 1 | $ 150,000 | $ 150,000 | $ 91,000 |
| Williamson County Tennessee | 1 | $ 152,000 | $ 152,000 | $ 48,000 |
| Brazoria County Texas | 1 | $ 185,000 | $ 185,000 | $ 80,000 |
| Fort Bend County Texas | 1 | $ 98,000 | $ 98,000 | $ 43,000 |
| Gregg County Texas | 1 | $ 99,000 | $ 99,000 | $ 113,000 |
| Jefferson County Texas | 1 | $ 84,000 | $ 84,000 | $ 35,000 |
| Nueces County Texas | 1 | $ 131,000 | $ 131,000 | $ 46,000 |
| Chesapeake County Virginia | 1 | $ 92,000 | $ 92,000 | $ 156,000 |
| Chesterfield County Virginia | 1 | $ 228,000 | $ 228,000 | $ 57,000 |
| Danville County Virginia | 1 | $ 76,000 | $ 76,000 | $ 119,000 |
| Fairfax County Virginia | 1 | $ 530,000 | $ 530,000 | $ 164,000 |
| Fauquier County Virginia | 1 | $ 282,000 | $ 282,000 | $ 48,000 |
| Frederick County Virginia | 1 | $ 315,000 | $ 315,000 | $ 85,000 |
| Hanover County Virginia | 1 | $ 398,000 | $ 398,000 | $ 97,000 |
| Loudoun County Virginia | 1 | $ 970,000 | $ 970,000 | $ 336,000 |
| Orange County Virginia | 1 | $ 410,000 | $ 410,000 | $ 123,000 |
| Prince William County Virginia | 1 | $ 713,000 | $ 713,000 | $ 109,000 |
| Roanoke City County Virginia | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Spotsylvania County Virginia | 1 | $ 182,000 | $ 182,000 | $ 59,000 |
| Suffolk County Virginia | 1 | $ 81,000 | $ 81,000 | $ 33,000 |
| Virginia Beach County Virginia | 1 | $ 150,000 | $ 150,000 | $ 34,000 |
| Warren County Virginia | 1 | $ 920,000 | $ 920,000 | $ 0 |
| Snohomish County Washington | 1 | $ 315,000 | $ 315,000 | $ 77,000 |
| Spokane County Washington | 1 | $ 223,000 | $ 223,000 | $ 80,000 |
| Jefferson County West Virginia | 1 | $ 287,000 | $ 287,000 | $ 62,000 |
| Brown County Wisconsin | 1 | $ 147,000 | $ 147,000 | $ 29,000 |
| Kenosha County Wisconsin | 1 | $ 136,000 | $ 136,000 | $ 50,000 |
| Waukesha County Wisconsin | 1 | $ 276,000 | $ 276,000 | $ 74,000 |
Mortgage Loan Application Detail Totals for Heartland Bank in 2007
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 1,346 | $315,240,000 | $234,000 | $8,700,000 | $100,000 | $3,975,000 |
| Refinancing | 1,287 | $289,091,000 | $224,000 | $2,000,000 | $95,000 | $5,826,000 |
| Home Improvement | 48 | $1,788,000 | $37,000 | $400,000 | $80,000 | $233,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,610 | $341,565,000 | $212,000 | $8,700,000 | $104,000 | $5,826,000 |
| Black or African American | 458 | $105,702,000 | $230,000 | $1,000,000 | $95,000 | $1,426,000 |
| Not Provided | 289 | $74,767,000 | $258,000 | $1,538,000 | $95,000 | $630,000 |
| Hispanic | 189 | $50,668,000 | $268,000 | $891,000 | $85,000 | $532,000 |
| Not applicable | 70 | $13,103,000 | $187,000 | $2,400,000 | $0 | $0 |
| Asian | 51 | $15,359,000 | $301,000 | $855,000 | $109,000 | $309,000 |
| Native Hawaiian or Other Pacific Islander | 11 | $3,286,000 | $298,000 | $608,000 | $94,000 | $239,000 |
| American Indian or Alaskan Native | 3 | $1,669,000 | $556,000 | $1,304,000 | $185,000 | $384,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 2,603 | $594,722,000 | $228,000 | $8,700,000 | $99,000 | $5,826,000 |
| FHA-insured (Federal Housing Administration) | 50 | $6,688,000 | $133,000 | $217,000 | $55,000 | $150,000 |
| VA-guaranteed (Veterans Administration) | 28 | $4,709,000 | $168,000 | $340,000 | $61,000 | $127,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,227 | $238,677,000 | $194,000 | $2,400,000 | $98,000 | $5,826,000 |
| Application Denied By Financial Institution | 1,146 | $306,573,000 | $267,000 | $8,700,000 | $98,000 | $2,425,000 |
| Application Withdrawn By Applicant | 229 | $46,363,000 | $202,000 | $1,750,000 | $98,000 | $720,000 |
| Application Approved But Not Accepted | 76 | $14,050,000 | $184,000 | $500,000 | $79,000 | $324,000 |
| Loan Purchased By The Institution | 3 | $456,000 | $152,000 | $209,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Collateral | 377 | $110,993,000 | $294,000 | $8,700,000 | $113,000 | $2,425,000 |
| Debt-To-Income Ratio | 293 | $76,710,000 | $261,000 | $1,080,000 | $81,000 | $402,000 |
| Credit History | 159 | $39,872,000 | $250,000 | $1,538,000 | $88,000 | $630,000 |
| Unverifiable Information | 146 | $37,400,000 | $256,000 | $1,820,000 | $99,000 | $780,000 |
| Credit Application Incomplete | 68 | $16,752,000 | $246,000 | $980,000 | $118,000 | $532,000 |
| Employment History | 57 | $15,622,000 | $274,000 | $880,000 | $107,000 | $406,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 40 | $8,047,000 | $201,000 | $774,000 | $80,000 | $546,000 |
| Mortgage Insurance Denied | 4 | $765,000 | $191,000 | $253,000 | $90,000 | $186,000 |
| Other | 2 | $412,000 | $206,000 | $242,000 | $61,000 | $69,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Heartland Bank's 2007 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Heartland Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Missouri, download the full spreadsheet
with aggregated HMDA statistics today.